USDA Vs. FHA Pro and Con comparison in Little-Elm, Denton County, TX

In 2025, the USDA loan limit for Little-Elm in the county of Denton, TX, is $329,300, while for a single-family home, the FHA limit is $411,700.

With Lendersa® USDA loan calculator, compare today's most favorable USDA vs. FHA rates to establish the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program in for your financial circumstances.

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Loan limits and down payment requirements for 2025 in Little-Elm, county of Denton, TX

Type of Loan Loan Limit Down Payment
USDA $329,300 0%
FHA $411,700 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Choices in Little-Elm, TX

Lendersa® is dedicated to helping you quickly and effortlessly secure the best USDA or FHA loan. Choose one of three starting points to align with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in TX

A USDA home loan is endorsed by the U.S. Department of Agriculture, also called the USDA rural development loan or mortgage, and is only available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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